| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EILEEN SANCHEZ MEDINA Filed as: EILEEN E BERG | 319 THOMASTON RD UNIT 12 WATERTOWN, CT 06795 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 8.53% |
| MJM GLOBAL INSURANCE BROKERAGE | 25 ROCKWOOD PLACE STE 210 ENGLEWOOD, NJ 07631 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 5.48% |
| KAREN PICCININI Filed as: KAREN ANN COYLE | 500 E MAIN ST STE 316 BRANFORD, CT 06405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $62 | $1K | 2.70% |
| VENESSA N DEAN | 1052 AVE ASHFORD APT 802 SAN JUAN, PR 00907 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $683 | — | $683 | 1.64% |
| ALLIANT INSURANCE SERVICES, INC. Filed as: ALLIANT INSURANCE SERVICES INC | 320 W 57TH ST NEW YORK, NY 10019 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $403 | — | $403 | 0.96% |
| STERLING AND STERLING, INC. Filed as: STERLING & STERLING LLC | 135 CROSSWAYS PARK DRIVE WOODBURY, NY 11797 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $390 | — | $390 | 0.93% |
| MICHAEL C WALKER Filed as: MICHAEL MASSARELLI | 536A BERLIN ST SOUTHINGTON, CT 06489 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $115 | — | $115 | 0.28% |
| ROSEANN REYNOLDS | 163 CEDAR ST UNIT 2 B BRANFORD, CT 06405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $114 | — | $114 | 0.27% |
| FLEURY ENTERPRISES INC | 162 INDIAN POINT RD TIVERTON, RI 02878 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $100 | — | $100 | 0.24% |
| MICHAEL C WALKER Filed as: MICHAEL MASSARELLI | 536A BERLIN ST SOUTHINGTON, CT 06489 | COLONIAL LIFE & ACCIDENT INSURANCE | $2K | $325 | $2K | 11.84% |
| MJM GLOBAL INSURANCE BROKERAGE Filed as: MJM GLOBAL INSURANCE | 25 ROCKWOOD PLACE STE 210 ENGLEWOOD, NJ 07631 | COLONIAL LIFE & ACCIDENT INSURANCE | $2K | — | $2K | 8.73% |
| EILEEN SANCHEZ MEDINA Filed as: EILEEN E BERG | 319 THOMASTON RD UNIT 12 WATERTOWN, CT 06795 | COLONIAL LIFE & ACCIDENT INSURANCE | $1K | — | $1K | 6.35% |
| KAREN PICCININI Filed as: KAREN ANN COYLE | 500 E MAIN ST STE 316 BRANFORD, CT 06405 | COLONIAL LIFE & ACCIDENT INSURANCE | $1K | $63 | $1K | 5.90% |
| VENESSA N DEAN | 1052 AVE ASHFORD APT 802 SAN JUAN, PR 00907 | COLONIAL LIFE & ACCIDENT INSURANCE | $131 | — | $131 | 0.73% |
| ALLIANT INSURANCE SERVICES, INC. Filed as: ALLIANT INSURANCE SERVICES INC | 320 W 57TH ST NEW YORK, NY 10019 | COLONIAL LIFE & ACCIDENT INSURANCE | $86 | — | $86 | 0.48% |
| STERLING AND STERLING, INC. Filed as: STERLING & STERLING LLC | 135 CROSSWAYS PARK DRIVE WOODBURY, NY 11797 | COLONIAL LIFE & ACCIDENT INSURANCE | $67 | — | $67 | 0.37% |
| ROSEANN REYNOLDS | 163 CEDAR ST UNIT 2 B BRANFORD, CT 06405 | COLONIAL LIFE & ACCIDENT INSURANCE | $35 | — | $35 | 0.19% |
| FLEURY ENTERPRISES INC | 162 INDIAN POINT RD TIVERTON, RI 02878 | COLONIAL LIFE & ACCIDENT INSURANCE | $24 | — | $24 | 0.13% |
| MJM GLOBAL INSURANCE BROKERAGE | 25 ROCKWOOD PL STE 210 ENGLEWOOD, NJ 07631 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| MICHAEL C WALKER Filed as: MICHAEL MASSARELLI | 536A BERLIN ST SOUTHINGTON, CT 06489 | COLONIAL LIFE ACCIDENT INSURANCE | $589 | $100 | $689 | 7.26% |
| MJM GLOBAL INSURANCE BROKERAGE Filed as: MJM GLOBAL INSURANCE | 25 ROCKWOOD PLACE STE 210 ENGLEWOOD, NJ 07631 | COLONIAL LIFE ACCIDENT INSURANCE | $537 | — | $537 | 5.66% |
| EILEEN SANCHEZ MEDINA Filed as: EILEEN E BERG | 319 THOMASTON RD UNIT 12 WATERTOWN, CT 06795 | COLONIAL LIFE ACCIDENT INSURANCE | $397 | — | $397 | 4.18% |
| KAREN PICCININI Filed as: KAREN ANN COYLE | 500 E MAIN ST STE 316 BRANFORD, CT 06405 | COLONIAL LIFE ACCIDENT INSURANCE | $318 | $19 | $337 | 3.55% |
| VENESSA N DEAN | 1052 AVE ASHFORD APT 802 SAN JUAN, PR 00907 | COLONIAL LIFE ACCIDENT INSURANCE | $166 | — | $166 | 1.75% |
| ALLIANT INSURANCE SERVICES, INC. Filed as: ALLIANT INSURANCE SERVICES INC | 320 W 57TH NEW YORK, NY 10019 | COLONIAL LIFE ACCIDENT INSURANCE | $145 | — | $145 | 1.53% |
| ROSEANN REYNOLDS | 163 CEDAR ST UNIT 2 B BRANFORD, CT 06405 | COLONIAL LIFE ACCIDENT INSURANCE | $37 | — | $37 | 0.39% |
| FLEURY ENTERPRISES INC Filed as: FLEURY ENTERPRISES | 162 INDIAN POINT RD TIVERTON, RI 02878 | COLONIAL LIFE ACCIDENT INSURANCE | $22 | — | $22 | 0.23% |
| EILEEN SANCHEZ MEDINA Filed as: EILEEN E BERG | 319 THOMASTON RD UNIT 12 WATERTOWN, CT 06795 | COLONIAL LIFE & ACCIDENT | $2K | — | $2K | 19.60% |
| MJM GLOBAL INSURANCE BROKERAGE Filed as: MJM GLOBAL INSURANCE | 25 ROCKWOOD PLACE STE 210 ENGLEWOOD, NJ 07631 | COLONIAL LIFE & ACCIDENT | $922 | — | $922 | 11.52% |
| KAREN PICCININI Filed as: KAREN ANN COYLE | 500 E MAIN ST STE 316 BRANFORD, CT 06405 | COLONIAL LIFE & ACCIDENT | $516 | $16 | $532 | 6.65% |
| ALLIANT INSURANCE SERVICES, INC. Filed as: ALLIANT INSURANCE SERVICE | 320 W 57TH ST NEW YORK, NY 10019 | COLONIAL LIFE & ACCIDENT | $76 | — | $76 | 0.95% |
| MICHAEL C WALKER Filed as: MICHAEL MASSARELLI | 536A BERLIN ST SOUTHINGTON, CT 06489 | COLONIAL LIFE & ACCIDENT | $26 | — | $26 | 0.32% |
| ROSEANN REYNOLDS | 163 CEDAR ST UNIT 2 B BRANFORD, CT 06405 | COLONIAL LIFE & ACCIDENT | $21 | — | $21 | 0.26% |
| VENESSA N DEAN | 1052 AVE ASHFORD APT SAN JUAN, PR 00907 | COLONIAL LIFE & ACCIDENT | $19 | — | $19 | 0.24% |
| MJM GLOBAL INSURANCE BROKERAGE | 25 ROCKWOOD PL 2ND FLOOR STE 210 NORTH ARLINGTON, NJ 07031 | GUARDIAN | $20K | — | $20K | — |
| DAILYFEATS INC. Filed as: DAILYFEATS | 131 TREMONT STREET 3RD FLOOR BOSTON, MA 02111 | GUARDIAN | $4K | — | $4K | — |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 172 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 275 | $0 |
| Vision | GUARDIAN | 275 | $0 |
| Life insurance(6 contracts, 4 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE | 275 | $51K |
| Long-term disability(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 275 | $15K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 172 | $955K |
| Other(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 275 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 275 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.